Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$236,134Cash toward the purchase price.
Closing costs + prepaids$11,222Not just lender fees.
Before credits & paid funds$247,356The complete starting cash picture.
Estimated remaining funds due at closing
$247,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,134.20
Your down payment$236,134.20
Closing costs + prepaids$11,222.04
Total buyer cash needed$247,356.25
Remaining funds due$247,356.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$944.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$254.50
Prepaid interest, first (29 days)$555.21
Fees + prepaids$11,222.04
Your down payment is the seller’s equity. You take over the $188,866 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $247,356.25 is due at closing. Uses and sources reconcile at $436,222.04 each. Not a Closing Disclosure.